Finland: How to Report Bank Fraud
If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 5 providers in Finland.
Do this first
- Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
- Block your card or freeze your account in the app if you can, and change your online banking password.
- Ask the bank for a reference number, and write down the time you reported it.
- Report it to the police as well: see who handles cybercrime in Finland.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Bank and payment fraud lines
OP Financial Group (OP Bank)
Bank- Block card (OP Deactivation Service, from abroad):+358 100 0555(24/7)
- Card customer service (not for blocking):0100 0500(Mon–Fri 8am–7pm)
Nordea Finland
Bank- Block card (shared card closure service):020 333(24/7)
- From abroad:+358 20 333(24/7)
App or online: Mobile or online bank: close the card temporarily or permanently.
Report phishing: [email protected]
S-Pankki
Bank- Block card (shared card closure service):020 333(24/7)
- Block online banking codes:09 6964 6820(24/7)
- Block card, from abroad:+358 20 333(24/7)
- Backup number from abroad:+358 800 1 2400
App or online: Close the card in the mobile or online bank.
Report phishing: [email protected]
Danske Bank Finland
Bank- Block cards and banking codes:0200 2585(24/7)
- From abroad:+358 200 2585(24/7)
- Customer care:0200 2580(Mon–Fri 9am–4pm)
App or online: Mobile bank: Cards › choose card › Close card temporarily. Netbank: Cards and currency › View card information › Close card.
Report phishing: [email protected]
Finnish card closure service (Sulkupalvelu)
Card network- Block card:020 333(24/7)
If your bank won’t help
FINE (Finnish Financial Ombudsman Bureau) and its Banking Complaints Board
Free advice on payment cards, card blocking, phishing and fraud. Its Banking Complaints Board handles disputes with banks.
FIN-FSA (Finanssivalvonta)
General guidance on payment cards and scams. It cannot settle your dispute with a bank.
Contact your bank first.
Official websiteYour rights
- Finnish payment services law: unauthorised card use. You are not liable for unauthorised transactions if you took normal care and followed the card terms, and your liability ends once you tell the bank. If you were careless, you pay at most EUR 50. That cap does not apply to gross negligence or intent. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Finland lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime and Online Fraud in Finland (2026).
Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.